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Improve your bottom line with rates from First Citizens. Here you'll find our latest promotional rates on a variety of savings options, credit lines and home loans. To take advantage of a rate listed here, visit your local First Citizens branch .

Home Equity Loan Interest Rates

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Please call or visit your local branch .

Account openings and credit are subject to Bank approval.

1 Normal credit approval applies.

2 The loan terms may be up to 30 years with a 5/1 adjustable rate mortgage (ARM). Your actual APR may be higher based on factors such as origination charge, discount points, and other prepaid finance charges. An example of a typical extension of credit with the above mentioned factors is as follows: As of 10/03/2014, for a purchase price of $900,000 and loan amount of $720,000 and 1% origination fee, the APR is 3.9482% for a mortgage loan payable in monthly payments of $3,541.97 (This monthly payment is only applicable for the first 5 years of the loan.).

3 APY (Annual Percentage Yield) is accurate as of 10/03/2014. Minimum balance required to obtain the APY is $500. Penalty may be imposed for early withdrawal. No brokered CDs accepted. Limited time offer that may be withdrawn or changed at any time without notice. Other restrictions and fees may apply. Account openings are subject

to Bank approval. Fees could reduce the earnings on the account.

4 APY (Annual Percentage Yield) is accurate as of 10/03/2014. After that time, the rate is variable and may change. To receive the APY offered, you must have or open a First Citizens checking account. Minimum opening balance of $5,000 in new funds to First Citizens, maximum of $1,000,000, required to receive the advertised APY. Other account-related fees may apply. Fees could reduce the earnings on the account.

5 APR (Annual Percentage Rate) - The Prime Rate used to determine your APR is The Wall Street Journal Prime Rate on the last day of the preceding calendar month. APR is current as of 10/03/2014 and may vary. The transaction fee for cash advances is $3 or 3% of the amount of the cash advance (maximum fee $100) and the transaction fee for foreign currency conversion is 2% of the amount of the transaction after conversion to U.S. dollars.

6 The Annual Percentage rate (APR) will be determined based on the term and applicable loan fee. An example of a typical extension of credit is as follows: As of 10/03/2014, an amount financed of $20,000 at a term of 60 months with an APR of 3.60% would result in 60 monthly payments of $144.18 and one final payment of $14,654.28. Rates are subject to change daily without notice. Please see your banker. Normal credit approval applies.

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